Commercial Auto Insurance in Lynnwood, WA | Hood Insurance Agency
Protecting your fleet, your livelihood, and your pack.
Coverage That Keeps Your Business on the Road
When your business depends on wheels, you can’t afford to run without the right protection. From contractors hauling equipment to delivery drivers making sure everyone’s coffee arrives hot, commercial auto insurance keeps your business moving forward—even when the unexpected happens.
At Hood Insurance Agency, we believe protection isn’t just a policy—it’s a principle. And like a wolf pack watching each other’s backs, we make sure your vehicles (and the people behind the wheel) are covered.
Protect Your Business Assets
Our commercial auto insurance covers a wide range of vehicles, including cars, trucks, vans, and specialty vehicles. With our customizable policies, you can ensure full protection against accidents, damages, and liability claims while keeping your business running smoothly.
🚚 What Is Commercial Auto Insurance?
Commercial auto insurance protects the vehicles your business owns, leases, or uses for work. Unlike personal auto insurance, it’s built for the unique risks of business driving—think higher mileage, bigger loads, or employees getting behind the wheel.
Coverage typically includes:
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Liability – if your driver causes an accident.
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Physical Damage – repairs or replacement for your vehicle.
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Medical Payments – helping with injuries from an accident.
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Hired & Non-Owned Auto (HNOA) – coverage for vehicles you rent, borrow, or your employees use for work.
🐺 Translation for the pack: Whether it’s your work truck or Joe from accounting’s Corolla making a bank run, we’ve got it covered.
🏗️ Who Needs It?
If your business owns, leases, or uses vehicles, you need commercial auto insurance. Common examples include:
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Contractors & Builders hauling tools and materials
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Delivery Businesses (food, flowers, documents, you name it)
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Service Providers like plumbers, electricians, and landscapers
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Fleet Operators managing multiple vehicles or drivers
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Small Businesses where employees occasionally use their own cars
Even if you only use a single pickup truck, if it’s tied to your business, you’re in commercial territory.
📍 Why It Matters in Washington
Washington requires minimum liability limits for business vehicles, but let’s be real: those minimums are about as protective as a paper umbrella in a rainstorm. Local businesses face risks like:
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Busy Lynnwood traffic corridors (I-5, 405, Highway 99)
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Winter weather and slick roads
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Claims from customers, other drivers, or employees
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Rising repair and medical costs
With the right coverage, you won’t be left howling at the moon when an accident happens.
🧭 Why Choose Hood Insurance Agency?
Local Pack Leaders – We know Lynnwood, Snohomish County, and the unique challenges of WA businesses.
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Independent Broker Advantage – We run with multiple carriers to find the right fit, not force you into one-size-fits-all coverage.
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Straight Talk, No Fluff – You won’t get lost in insurance jargon—we keep it clear, honest, and maybe a little witty.
🐾 FAQs – Quick Answers for Fast Thinkers
Is personal auto insurance enough for business use?
No. If you use your car for business and rely on personal coverage, your insurer can deny a claim. That’s like bringing a Chihuahua to a wolf fight.
Does commercial auto cover employees’ cars?
Not by default. That’s where “hired & non-owned” coverage steps in—protecting your business when employees drive their own cars for work.
How much does it cost in WA?
It depends on vehicle type, use, drivers, and coverage limits. A single work truck may run a few hundred dollars a year; fleets cost more. We’ll get you a no-nonsense quote.
📞 Ready to Protect Your Pack?
Don’t leave your business exposed. Get a free commercial auto insurance quote today and make sure your wheels—and your livelihood—are fully protected.